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Defensive driving would help lower your insurance by about 10% and of course if you are married. I have statefarm and I pay about 130ish per month after my defensive driving. I have a 03 M3, single and have a pretty decent record. It should lower significantly once I'm married.

$40/mo full tort, full coverage with $0 dedictibles. No accidents or violations in over 3 years. PA driver insured with Erie Insurance. If you live in PA, holler at me bc you can't beat what I can offer you!